NFM in Ohio vs the state
1.1%Denial rate-16.55 pts vs state
1.5%Decision denial rate-20.41 pts vs state
75.7%Origination rate+15.80 pts vs state
6.75%Median rate-0.13 pts vs state
0.49Rate spread (pts)+0.10 pts vs state
$94kMedian applicant income
3,308Loans originated
50Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,000 | 2,281 | 1.5% | 7.13% | #28 |
| 2024 | 3,375 | 2,610 | 1.0% | 6.99% | #30 |
| 2025 | 4,370 | 3,308 | 1.1% | 6.75% | #24 |
What NFM lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 1,788 | 1,360 | 14 | 0.8% |
| Delaware County | 297 | 236 | 3 | 1.0% |
| Licking County | 203 | 154 | 3 | 1.5% |
| Fairfield County | 192 | 138 | 2 | 1.0% |
| Lucas County | 152 | 122 | 2 | 1.3% |
| Cuyahoga County | 149 | 107 | 2 | 1.3% |
| Union County | 146 | 100 | 0 | 0.0% |
| Marion County | 120 | 99 | 0 | 0.0% |
| Hamilton County | 100 | 70 | 6 | 6.0% |
| Stark County | 94 | 77 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 4,370 applications in 2025, of which 3,308 were originated and 50 denied.
1.1% of all applications, or 1.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans NFM originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are NFM's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology